Agency, bridge, and bank debt for 5+ unit apartments.
Match your 5+ unit deal to licensed US lenders — Fannie, Freddie, bridge, and bank. We underwrite for lender fit and route you to the LendCity US desk. This site does not originate loans.
Get a lender-fit review
Send NOI, leverage, and the business plan. No credit pull.
No credit pull. US multifamily only. Your info is shared only for deal review follow-up.
What you can do on this site
Underwrite, compare capital, then request a lender-fit review.
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Learn
Plain-English guidance for agency, bridge, debt fund, and bank multifamily execution.
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Tools
Analyze NOI, cap rate, DSCR, debt yield, cash-on-cash, and loan sizing in minutes.
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Markets
51-state multifamily financing overviews plus city-level market snapshots.
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Compare
Compare loan products and execution paths by cost of capital, proceeds, and flexibility.
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Invest
Profiles and decision frameworks for first-time and institutional multifamily operators.
Multi-Family USA helps sponsors choose the right debt path — agency, bridge, bank, CMBS, or FHA — and pressure-test underwriting.
Illustrative multifamily structures
Illustrative examples only — not closings by this desk. Rate ranges are illustrative, not quotes.
48
TX
Agency (Fannie)
5.75–6.05%
2025
72
FL
Bridge-to-agency
SOFR + 350–450
2025
24
NC
Bank portfolio
6.25–6.50%
2024
96
AZ
Debt fund
7.50–7.85%
2024
36
TN
Agency (Freddie)
5.95–6.20%
2025
- Asset
- 5+ unit apartments
- 1–4 DSCR or Canadian CMHC/MLI
- Capital
- Agency, bridge, bank, debt fund
- Residential DSCR or MLI Select
- Role
- Matching to licensed US lenders
- Sister desks, not this site
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5+ unit apartments
1–4 DSCR or Canadian CMHC/MLI
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Agency, bridge, bank, debt fund
Residential DSCR or MLI Select
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Matching to licensed US lenders
Sister desks, not this site
Related resources in the LendCity network
Multi-Family USA is the US 5+ unit commercial multifamily satellite. Canadian CMHC/MLI stays on lendcity.ca; 1–4 unit residential DSCR stays on DSCR Authority. Book a strategy call here for US multifamily financing.
DSCR Authority — US 1–4 unit DSCR
Canonical ACTION for residential DSCR (1–4 units): calculators, state guides, and lender matching — not this site.
LendCity — Canadian multifamily & CMHC MLI
Canonical ACTION for CMHC MLI Select and Canadian multifamily — do not clone those guides on Multi-Family USA.
LendCity — Cross-border financing
Canadians buying US rental or multifamily — entity and lender-fit planning on the hub.
Frequently asked questions
What does Multi-Family USA cover?
Is this the same as LendCity’s Canadian CMHC hub?
Does Multi-Family USA cover single-family or 1–4 unit DSCR loans?
How do I get help with a live multifamily deal?
What metrics should I model before requesting quotes?
Parent desk: LendCity Mortgages Google listing.
Related
resources
Hand-picked next steps — go deeper, compare alternatives, or run the numbers.
- What is US multifamily (5+ units)
The commercial 5+ unit definition, why residential DSCR does not apply, and how this site is structured.
- Commercial DSCR calculator
Stress-test rent versus PITIA coverage for 5+ unit deals.
- Loan sizing calculator
Back into max proceeds from a DSCR target, with LTV context.
- Agency stabilized loans
Fannie Mae and Freddie Mac execution for cash-flowing apartments.
- Agency vs bridge
When to take out with agency versus bridging a value-add plan.
- State financing guides
Taxes, foreclosure timing, and lender posture by state.